$136,300 Mortgage for 30 Years

What is the monthly payment of a 136,300 dollar loan?
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Loan Tables for a $136,300 Mortgage Loan for 30 Years
See the monthly payment for a thirty year, 136k loan by interest rate. What's the monthly payment? What are the costs? Can I afford a $136,300 home? What if I pay a bigger down payment? Make sure to think about maintenance costs, taxes, insurance, and other costs.

Use this to calculate a loan for anything, such as a vehicle, business loan, home, RV, motor home, mobile home, manufactured home, real estate, land, vacation property, education, or any type of debt.
Interest Rate 30 Year
136,300 at 2.01%$504.47
136,300 at 2.02%$505.16
136,300 at 2.03%$505.84
136,300 at 2.04%$506.52
136,300 at 2.05%$507.21
136,300 at 2.06%$507.89
136,300 at 2.07%$508.58
136,300 at 2.08%$509.26
136,300 at 2.09%$509.95
136,300 at 2.1%$510.63
136,300 at 2.11%$511.32
136,300 at 2.12%$512.01
136,300 at 2.13%$512.70
136,300 at 2.14%$513.39
136,300 at 2.15%$514.08
136,300 at 2.16%$514.77
136,300 at 2.17%$515.46
136,300 at 2.18%$516.15
136,300 at 2.19%$516.84
136,300 at 2.2%$517.53
136,300 at 2.21%$518.23
136,300 at 2.22%$518.92
136,300 at 2.23%$519.61
136,300 at 2.24%$520.31
136,300 at 2.25%$521.00
136,300 at 2.26%$521.70
136,300 at 2.27%$522.39
136,300 at 2.28%$523.09
136,300 at 2.29%$523.79
136,300 at 2.3%$524.48
136,300 at 2.31%$525.18
136,300 at 2.32%$525.88
136,300 at 2.33%$526.58
136,300 at 2.34%$527.28
136,300 at 2.35%$527.98
136,300 at 2.36%$528.68
136,300 at 2.37%$529.38
136,300 at 2.38%$530.08
136,300 at 2.39%$530.79
136,300 at 2.4%$531.49
136,300 at 2.41%$532.19
136,300 at 2.42%$532.90
136,300 at 2.43%$533.60
136,300 at 2.44%$534.31
136,300 at 2.45%$535.01
136,300 at 2.46%$535.72
136,300 at 2.47%$536.43
136,300 at 2.48%$537.13
136,300 at 2.49%$537.84
136,300 at 2.5%$538.55
136,300 at 2.51%$539.26
136,300 at 2.52%$539.97
136,300 at 2.53%$540.68
136,300 at 2.54%$541.39
136,300 at 2.55%$542.10
136,300 at 2.56%$542.81
136,300 at 2.57%$543.52
136,300 at 2.58%$544.24
136,300 at 2.59%$544.95
136,300 at 2.6%$545.66
136,300 at 2.61%$546.38
136,300 at 2.62%$547.09
136,300 at 2.63%$547.81
136,300 at 2.64%$548.52
136,300 at 2.65%$549.24
136,300 at 2.66%$549.96
136,300 at 2.67%$550.67
136,300 at 2.68%$551.39
136,300 at 2.69%$552.11
136,300 at 2.7%$552.83
136,300 at 2.71%$553.55
136,300 at 2.72%$554.27
136,300 at 2.73%$554.99
136,300 at 2.74%$555.71
136,300 at 2.75%$556.43
136,300 at 2.76%$557.15
136,300 at 2.77%$557.88
136,300 at 2.78%$558.60
136,300 at 2.79%$559.32
136,300 at 2.8%$560.05
136,300 at 2.81%$560.77
136,300 at 2.82%$561.50
136,300 at 2.83%$562.23
136,300 at 2.84%$562.95
136,300 at 2.85%$563.68
136,300 at 2.86%$564.41
136,300 at 2.87%$565.13
136,300 at 2.88%$565.86
136,300 at 2.89%$566.59
136,300 at 2.9%$567.32
136,300 at 2.91%$568.05
136,300 at 2.92%$568.78
136,300 at 2.93%$569.51
136,300 at 2.94%$570.25
136,300 at 2.95%$570.98
136,300 at 2.96%$571.71
136,300 at 2.97%$572.44
136,300 at 2.98%$573.18
136,300 at 2.99%$573.91
136,300 at 3%$574.65
136,300 at 3.01%$575.38
136,300 at 3.02%$576.12
136,300 at 3.03%$576.85
136,300 at 3.04%$577.59
136,300 at 3.05%$578.33
136,300 at 3.06%$579.07
136,300 at 3.07%$579.80
136,300 at 3.08%$580.54
136,300 at 3.09%$581.28
136,300 at 3.1%$582.02
136,300 at 3.11%$582.76
136,300 at 3.12%$583.51
136,300 at 3.13%$584.25
136,300 at 3.14%$584.99
136,300 at 3.15%$585.73
136,300 at 3.16%$586.47
136,300 at 3.17%$587.22
136,300 at 3.18%$587.96
136,300 at 3.19%$588.71
136,300 at 3.2%$589.45
136,300 at 3.21%$590.20
136,300 at 3.22%$590.94
136,300 at 3.23%$591.69
136,300 at 3.24%$592.44
136,300 at 3.25%$593.19
136,300 at 3.26%$593.93
136,300 at 3.27%$594.68
136,300 at 3.28%$595.43
136,300 at 3.29%$596.18
136,300 at 3.3%$596.93
136,300 at 3.31%$597.68
136,300 at 3.32%$598.44
136,300 at 3.33%$599.19
136,300 at 3.34%$599.94
136,300 at 3.35%$600.69
136,300 at 3.36%$601.45
136,300 at 3.37%$602.20
136,300 at 3.38%$602.95
136,300 at 3.39%$603.71
136,300 at 3.4%$604.46
136,300 at 3.41%$605.22
136,300 at 3.42%$605.98
136,300 at 3.43%$606.73
136,300 at 3.44%$607.49
136,300 at 3.45%$608.25
136,300 at 3.46%$609.01
136,300 at 3.47%$609.77
136,300 at 3.48%$610.53
136,300 at 3.49%$611.29
136,300 at 3.5%$612.05
Interest Rate 30 Year
136,300 at 3.51%$612.81
136,300 at 3.52%$613.57
136,300 at 3.53%$614.33
136,300 at 3.54%$615.10
136,300 at 3.55%$615.86
136,300 at 3.56%$616.62
136,300 at 3.57%$617.39
136,300 at 3.58%$618.15
136,300 at 3.59%$618.92
136,300 at 3.6%$619.68
136,300 at 3.61%$620.45
136,300 at 3.62%$621.21
136,300 at 3.63%$621.98
136,300 at 3.64%$622.75
136,300 at 3.65%$623.52
136,300 at 3.66%$624.29
136,300 at 3.67%$625.06
136,300 at 3.68%$625.82
136,300 at 3.69%$626.60
136,300 at 3.7%$627.37
136,300 at 3.71%$628.14
136,300 at 3.72%$628.91
136,300 at 3.73%$629.68
136,300 at 3.74%$630.45
136,300 at 3.75%$631.23
136,300 at 3.76%$632.00
136,300 at 3.77%$632.77
136,300 at 3.78%$633.55
136,300 at 3.79%$634.32
136,300 at 3.8%$635.10
136,300 at 3.81%$635.88
136,300 at 3.82%$636.65
136,300 at 3.83%$637.43
136,300 at 3.84%$638.21
136,300 at 3.85%$638.99
136,300 at 3.86%$639.76
136,300 at 3.87%$640.54
136,300 at 3.88%$641.32
136,300 at 3.89%$642.10
136,300 at 3.9%$642.88
136,300 at 3.91%$643.66
136,300 at 3.92%$644.45
136,300 at 3.93%$645.23
136,300 at 3.94%$646.01
136,300 at 3.95%$646.79
136,300 at 3.96%$647.58
136,300 at 3.97%$648.36
136,300 at 3.98%$649.15
136,300 at 3.99%$649.93
136,300 at 4%$650.72
136,300 at 4.01%$651.50
136,300 at 4.02%$652.29
136,300 at 4.03%$653.08
136,300 at 4.04%$653.86
136,300 at 4.05%$654.65
136,300 at 4.06%$655.44
136,300 at 4.07%$656.23
136,300 at 4.08%$657.02
136,300 at 4.09%$657.81
136,300 at 4.1%$658.60
136,300 at 4.11%$659.39
136,300 at 4.12%$660.18
136,300 at 4.13%$660.97
136,300 at 4.14%$661.77
136,300 at 4.15%$662.56
136,300 at 4.16%$663.35
136,300 at 4.17%$664.15
136,300 at 4.18%$664.94
136,300 at 4.19%$665.74
136,300 at 4.2%$666.53
136,300 at 4.21%$667.33
136,300 at 4.22%$668.12
136,300 at 4.23%$668.92
136,300 at 4.24%$669.72
136,300 at 4.25%$670.51
136,300 at 4.26%$671.31
136,300 at 4.27%$672.11
136,300 at 4.28%$672.91
136,300 at 4.29%$673.71
136,300 at 4.3%$674.51
136,300 at 4.31%$675.31
136,300 at 4.32%$676.11
136,300 at 4.33%$676.91
136,300 at 4.34%$677.71
136,300 at 4.35%$678.52
136,300 at 4.36%$679.32
136,300 at 4.37%$680.12
136,300 at 4.38%$680.93
136,300 at 4.39%$681.73
136,300 at 4.4%$682.54
136,300 at 4.41%$683.34
136,300 at 4.42%$684.15
136,300 at 4.43%$684.95
136,300 at 4.44%$685.76
136,300 at 4.45%$686.57
136,300 at 4.46%$687.38
136,300 at 4.47%$688.18
136,300 at 4.48%$688.99
136,300 at 4.49%$689.80
136,300 at 4.5%$690.61
136,300 at 4.51%$691.42
136,300 at 4.52%$692.23
136,300 at 4.53%$693.04
136,300 at 4.54%$693.86
136,300 at 4.55%$694.67
136,300 at 4.56%$695.48
136,300 at 4.57%$696.29
136,300 at 4.58%$697.11
136,300 at 4.59%$697.92
136,300 at 4.6%$698.73
136,300 at 4.61%$699.55
136,300 at 4.62%$700.36
136,300 at 4.63%$701.18
136,300 at 4.64%$702.00
136,300 at 4.65%$702.81
136,300 at 4.66%$703.63
136,300 at 4.67%$704.45
136,300 at 4.68%$705.27
136,300 at 4.69%$706.08
136,300 at 4.7%$706.90
136,300 at 4.71%$707.72
136,300 at 4.72%$708.54
136,300 at 4.73%$709.36
136,300 at 4.74%$710.18
136,300 at 4.75%$711.01
136,300 at 4.76%$711.83
136,300 at 4.77%$712.65
136,300 at 4.78%$713.47
136,300 at 4.79%$714.30
136,300 at 4.8%$715.12
136,300 at 4.81%$715.94
136,300 at 4.82%$716.77
136,300 at 4.83%$717.59
136,300 at 4.84%$718.42
136,300 at 4.85%$719.24
136,300 at 4.86%$720.07
136,300 at 4.87%$720.90
136,300 at 4.88%$721.72
136,300 at 4.89%$722.55
136,300 at 4.9%$723.38
136,300 at 4.91%$724.21
136,300 at 4.92%$725.04
136,300 at 4.93%$725.87
136,300 at 4.94%$726.70
136,300 at 4.95%$727.53
136,300 at 4.96%$728.36
136,300 at 4.97%$729.19
136,300 at 4.98%$730.02
136,300 at 4.99%$730.86
136,300 at 5%$731.69
Interest Rate 30 Year
136,300 at 5.01%$732.52
136,300 at 5.02%$733.35
136,300 at 5.03%$734.19
136,300 at 5.04%$735.02
136,300 at 5.05%$735.86
136,300 at 5.06%$736.69
136,300 at 5.07%$737.53
136,300 at 5.08%$738.37
136,300 at 5.09%$739.20
136,300 at 5.1%$740.04
136,300 at 5.11%$740.88
136,300 at 5.12%$741.72
136,300 at 5.13%$742.56
136,300 at 5.14%$743.39
136,300 at 5.15%$744.23
136,300 at 5.16%$745.07
136,300 at 5.17%$745.91
136,300 at 5.18%$746.76
136,300 at 5.19%$747.60
136,300 at 5.2%$748.44
136,300 at 5.21%$749.28
136,300 at 5.22%$750.12
136,300 at 5.23%$750.97
136,300 at 5.24%$751.81
136,300 at 5.25%$752.65
136,300 at 5.26%$753.50
136,300 at 5.27%$754.34
136,300 at 5.28%$755.19
136,300 at 5.29%$756.03
136,300 at 5.3%$756.88
136,300 at 5.31%$757.73
136,300 at 5.32%$758.57
136,300 at 5.33%$759.42
136,300 at 5.34%$760.27
136,300 at 5.35%$761.12
136,300 at 5.36%$761.97
136,300 at 5.37%$762.82
136,300 at 5.38%$763.67
136,300 at 5.39%$764.52
136,300 at 5.4%$765.37
136,300 at 5.41%$766.22
136,300 at 5.42%$767.07
136,300 at 5.43%$767.92
136,300 at 5.44%$768.77
136,300 at 5.45%$769.63
136,300 at 5.46%$770.48
136,300 at 5.47%$771.33
136,300 at 5.48%$772.19
136,300 at 5.49%$773.04
136,300 at 5.5%$773.90
136,300 at 5.51%$774.75
136,300 at 5.52%$775.61
136,300 at 5.53%$776.46
136,300 at 5.54%$777.32
136,300 at 5.55%$778.18
136,300 at 5.56%$779.04
136,300 at 5.57%$779.89
136,300 at 5.58%$780.75
136,300 at 5.59%$781.61
136,300 at 5.6%$782.47
136,300 at 5.61%$783.33
136,300 at 5.62%$784.19
136,300 at 5.63%$785.05
136,300 at 5.64%$785.91
136,300 at 5.65%$786.77
136,300 at 5.66%$787.63
136,300 at 5.67%$788.50
136,300 at 5.68%$789.36
136,300 at 5.69%$790.22
136,300 at 5.7%$791.09
136,300 at 5.71%$791.95
136,300 at 5.72%$792.81
136,300 at 5.73%$793.68
136,300 at 5.74%$794.54
136,300 at 5.75%$795.41
136,300 at 5.76%$796.28
136,300 at 5.77%$797.14
136,300 at 5.78%$798.01
136,300 at 5.79%$798.88
136,300 at 5.8%$799.74
136,300 at 5.81%$800.61
136,300 at 5.82%$801.48
136,300 at 5.83%$802.35
136,300 at 5.84%$803.22
136,300 at 5.85%$804.09
136,300 at 5.86%$804.96
136,300 at 5.87%$805.83
136,300 at 5.88%$806.70
136,300 at 5.89%$807.57
136,300 at 5.9%$808.45
136,300 at 5.91%$809.32
136,300 at 5.92%$810.19
136,300 at 5.93%$811.06
136,300 at 5.94%$811.94
136,300 at 5.95%$812.81
136,300 at 5.96%$813.69
136,300 at 5.97%$814.56
136,300 at 5.98%$815.44
136,300 at 5.99%$816.31
136,300 at 6%$817.19
136,300 at 6.01%$818.06
136,300 at 6.02%$818.94
136,300 at 6.03%$819.82
136,300 at 6.04%$820.70
136,300 at 6.05%$821.57
136,300 at 6.06%$822.45
136,300 at 6.07%$823.33
136,300 at 6.08%$824.21
136,300 at 6.09%$825.09
136,300 at 6.1%$825.97
136,300 at 6.11%$826.85
136,300 at 6.12%$827.73
136,300 at 6.13%$828.61
136,300 at 6.14%$829.50
136,300 at 6.15%$830.38
136,300 at 6.16%$831.26
136,300 at 6.17%$832.14
136,300 at 6.18%$833.03
136,300 at 6.19%$833.91
136,300 at 6.2%$834.80
136,300 at 6.21%$835.68
136,300 at 6.22%$836.56
136,300 at 6.23%$837.45
136,300 at 6.24%$838.34
136,300 at 6.25%$839.22
136,300 at 6.26%$840.11
136,300 at 6.27%$841.00
136,300 at 6.28%$841.88
136,300 at 6.29%$842.77
136,300 at 6.3%$843.66
136,300 at 6.31%$844.55
136,300 at 6.32%$845.44
136,300 at 6.33%$846.33
136,300 at 6.34%$847.22
136,300 at 6.35%$848.11
136,300 at 6.36%$849.00
136,300 at 6.37%$849.89
136,300 at 6.38%$850.78
136,300 at 6.39%$851.67
136,300 at 6.4%$852.56
136,300 at 6.41%$853.46
136,300 at 6.42%$854.35
136,300 at 6.43%$855.24
136,300 at 6.44%$856.14
136,300 at 6.45%$857.03
136,300 at 6.46%$857.93
136,300 at 6.47%$858.82
136,300 at 6.48%$859.72
136,300 at 6.49%$860.61
136,300 at 6.5%$861.51
Interest Rate 30 Year
136,300 at 6.51%$862.41
136,300 at 6.52%$863.30
136,300 at 6.53%$864.20
136,300 at 6.54%$865.10
136,300 at 6.55%$866.00
136,300 at 6.56%$866.89
136,300 at 6.57%$867.79
136,300 at 6.58%$868.69
136,300 at 6.59%$869.59
136,300 at 6.6%$870.49
136,300 at 6.61%$871.39
136,300 at 6.62%$872.29
136,300 at 6.63%$873.19
136,300 at 6.64%$874.10
136,300 at 6.65%$875.00
136,300 at 6.66%$875.90
136,300 at 6.67%$876.80
136,300 at 6.68%$877.71
136,300 at 6.69%$878.61
136,300 at 6.7%$879.51
136,300 at 6.71%$880.42
136,300 at 6.72%$881.32
136,300 at 6.73%$882.23
136,300 at 6.74%$883.13
136,300 at 6.75%$884.04
136,300 at 6.76%$884.95
136,300 at 6.77%$885.85
136,300 at 6.78%$886.76
136,300 at 6.79%$887.67
136,300 at 6.8%$888.57
136,300 at 6.81%$889.48
136,300 at 6.82%$890.39
136,300 at 6.83%$891.30
136,300 at 6.84%$892.21
136,300 at 6.85%$893.12
136,300 at 6.86%$894.03
136,300 at 6.87%$894.94
136,300 at 6.88%$895.85
136,300 at 6.89%$896.76
136,300 at 6.9%$897.67
136,300 at 6.91%$898.58
136,300 at 6.92%$899.50
136,300 at 6.93%$900.41
136,300 at 6.94%$901.32
136,300 at 6.95%$902.23
136,300 at 6.96%$903.15
136,300 at 6.97%$904.06
136,300 at 6.98%$904.98
136,300 at 6.99%$905.89
136,300 at 7%$906.81
136,300 at 7.01%$907.72
136,300 at 7.02%$908.64
136,300 at 7.03%$909.56
136,300 at 7.04%$910.47
136,300 at 7.05%$911.39
136,300 at 7.06%$912.31
136,300 at 7.07%$913.22
136,300 at 7.08%$914.14
136,300 at 7.09%$915.06
136,300 at 7.1%$915.98
136,300 at 7.11%$916.90
136,300 at 7.12%$917.82
136,300 at 7.13%$918.74
136,300 at 7.14%$919.66
136,300 at 7.15%$920.58
136,300 at 7.16%$921.50
136,300 at 7.17%$922.42
136,300 at 7.18%$923.34
136,300 at 7.19%$924.27
136,300 at 7.2%$925.19
136,300 at 7.21%$926.11
136,300 at 7.22%$927.03
136,300 at 7.23%$927.96
136,300 at 7.24%$928.88
136,300 at 7.25%$929.81
136,300 at 7.26%$930.73
136,300 at 7.27%$931.66
136,300 at 7.28%$932.58
136,300 at 7.29%$933.51
136,300 at 7.3%$934.43
136,300 at 7.31%$935.36
136,300 at 7.32%$936.29
136,300 at 7.33%$937.21
136,300 at 7.34%$938.14
136,300 at 7.35%$939.07
136,300 at 7.36%$940.00
136,300 at 7.37%$940.93
136,300 at 7.38%$941.85
136,300 at 7.39%$942.78
136,300 at 7.4%$943.71
136,300 at 7.41%$944.64
136,300 at 7.42%$945.57
136,300 at 7.43%$946.50
136,300 at 7.44%$947.44
136,300 at 7.45%$948.37
136,300 at 7.46%$949.30
136,300 at 7.47%$950.23
136,300 at 7.48%$951.16
136,300 at 7.49%$952.10
136,300 at 7.5%$953.03
136,300 at 7.51%$953.96
136,300 at 7.52%$954.90
136,300 at 7.53%$955.83
136,300 at 7.54%$956.77
136,300 at 7.55%$957.70
136,300 at 7.56%$958.64
136,300 at 7.57%$959.57
136,300 at 7.58%$960.51
136,300 at 7.59%$961.44
136,300 at 7.6%$962.38
136,300 at 7.61%$963.32
136,300 at 7.62%$964.25
136,300 at 7.63%$965.19
136,300 at 7.64%$966.13
136,300 at 7.65%$967.07
136,300 at 7.66%$968.01
136,300 at 7.67%$968.95
136,300 at 7.68%$969.89
136,300 at 7.69%$970.82
136,300 at 7.7%$971.76
136,300 at 7.71%$972.71
136,300 at 7.72%$973.65
136,300 at 7.73%$974.59
136,300 at 7.74%$975.53
136,300 at 7.75%$976.47
136,300 at 7.76%$977.41
136,300 at 7.77%$978.35
136,300 at 7.78%$979.30
136,300 at 7.79%$980.24
136,300 at 7.8%$981.18
136,300 at 7.81%$982.13
136,300 at 7.82%$983.07
136,300 at 7.83%$984.02
136,300 at 7.84%$984.96
136,300 at 7.85%$985.91
136,300 at 7.86%$986.85
136,300 at 7.87%$987.80
136,300 at 7.88%$988.74
136,300 at 7.89%$989.69
136,300 at 7.9%$990.64
136,300 at 7.91%$991.58
136,300 at 7.92%$992.53
136,300 at 7.93%$993.48
136,300 at 7.94%$994.43
136,300 at 7.95%$995.37
136,300 at 7.96%$996.32
136,300 at 7.97%$997.27
136,300 at 7.98%$998.22
136,300 at 7.99%$999.17
136,300 at 8%$1,000.12
More Amounts
What is the down payment for a $136,300 house? How much do you need to put down?
Percent Down Down Payment
1%1,363
2%2,726
3%4,089
4%5,452
5%6,815
6%8,178
7%9,541
8%10,904
9%12,267
10%13,630
11%14,993
12%16,356
13%17,719
14%19,082
15%20,445
16%21,808
17%23,171
18%24,534
19%25,897
20%27,260
Percent Down Down Payment
21%28,623
22%29,986
23%31,349
24%32,712
25%34,075
26%35,438
27%36,801
28%38,164
29%39,527
30%40,890
31%42,253
32%43,616
33%44,979
34%46,342
35%47,705
36%49,068
37%50,431
38%51,794
39%53,157
40%54,520
Percent Down Down Payment
41%55,883
42%57,246
43%58,609
44%59,972
45%61,335
46%62,698
47%64,061
48%65,424
49%66,787
50%68,150
51%69,513
52%70,876
53%72,239
54%73,602
55%74,965
56%76,328
57%77,691
58%79,054
59%80,417
60%81,780
Percent Down Down Payment
61%83,143
62%84,506
63%85,869
64%87,232
65%88,595
66%89,958
67%91,321
68%92,684
69%94,047
70%95,410
71%96,773
72%98,136
73%99,499
74%100,862
75%102,225
76%103,588
77%104,951
78%106,314
79%107,677
80%109,040
Percent Down Down Payment
81%110,403
82%111,766
83%113,129
84%114,492
85%115,855
86%117,218
87%118,581
88%119,944
89%121,307
90%122,670
91%124,033
92%125,396
93%126,759
94%128,122
95%129,485
96%130,848
97%132,211
98%133,574
99%134,937
100%136,300
Common Loan Vocabulary Terms
APR Annual Percentage Rate, the annual cost of borrowing or lending money.
PMI Private Mortgage Insurance. A downpayment less than 20% often requires that the borrower purchase PMI. This increases the overall monthly payment.
Property Taxes Taxes charged by the local government to the owner of the property. This is often charged as a percentage of the assessed value of the property.
Insurance Home insurance protects your property against damage. Flood insurance is often recommended for some areas of the country. Individuals with a high net worth might consider an umbrella policy.
HOA Homeowners' Association. Usually part of a condo development or subdivision. The HOA often sets the rules, takes care of common maintenance, and charges a fee.
Mortgage Refinance After mortgage rates have decreased, it is often possible to get a new mortgage at a lower rate. This is a loan refinance and can save lots of money.